Virtual Terminal Access

The Virtual Terminal, available through your Business Advantage 360 online banking Merchant Services account, is a web-based interface that lets you accept credit card payments. Unlike a physical terminal where you swipe or insert cards, you will use a website to manually enter the credit card information. A virtual terminal is included with all of the Bank of America solutions. Virtual Terminal can be used as a backup option to your point of sale or e-commerce system or as a standalone solution, where it is the only processing option available. 

When to use Virtual Terminal:

• As a backup processing option if the terminal is not working or has not yet been received, in lieu of a Voice Authorization solution. 
• To process one-time transactions placed by mail, telephone, email, or other card not present scenarios. 
• If you use Level II fields, you can capture those values in Virtual Terminal transactions as well.   
• To process card not present sales for credit cards with international addresses. 

IMPORTANT!
Accessing Virtual Terminal from a desktop or laptop-style browser. Access from a mobile phone or tablet is not recommended. Refer to Merchant Services Online Banking Access and User Management for information on how to access your Merchant Services account features through a mobile device.

To access Virtual Terminal from online banking Accounts Overview

1. Log in to your Merchant Services account in Business Advantage 360 online banking.
   
   

   NOTE: 
   All options are not available if the user is not on the full site (desktop/laptop). If user is not the owner of the business, access to features is determined by the owner.

2. Under a location, click Access Virtual Terminal. There may be multiple locations depending on the business.
    
   

To access Virtual Terminal in Merchant Services account

1. From the left navigation, select Virtual Terminal > One Time Payment.